Upgrade Shopping Program Terms and Conditions

Last Updated: November 8, 2024

With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. All Upgrade Card customers and Rewards Checking account customers with an open account have Upgrade Shopping.

For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice.

After a qualifying Upgrade Card purchase has settled, your cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your Upgrade Card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments.

After a qualifying Rewards Checking debit card purchase has settled, your applicable cash back will generally be credited to your Rewards Checking or Rewards Checking Plus account within 7-14 days but can take up to 90 days depending on the merchant.

If you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Upgrade Shopping cash back, we reserve the right to remove any related cash back amount from your Upgrade Card or Rewards Checking account or withhold future cash back to cover any such amount. To opt-out of the Upgrade Shopping program, please email Upgrade customer service at support@upgrade.com. Please note that opting out is permanent and will apply to all current and future Upgrade accounts eligible for Upgrade Shopping. Once you opt-out, you won't be able to earn rewards through Upgrade Shopping on any existing Upgrade accounts and any new Upgrade accounts will not be enrolled in the Upgrade Shopping program.

For full cash back shopping terms, please review the Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy. This program operates separately from other Upgrade Card and Rewards Checking reward programs. You may get rewards through Upgrade Shopping in addition to other rewards offers you may have with your Upgrade Card or Rewards Checking debit card.